Capital at risk

To help you understand the risks involved when investing in shares, mini-bonds and funds on Crowdcube, please read the following risk summary. Please #investaware and diversify your investments.

The need for diversification when you invest

Diversification involves spreading your money across different types of investments with different risks to reduce your overall risk. However, it will not lessen all types of risk. Diversification is an essential part of investing. Investors should only invest a proportion of their available investment funds via Crowdcube and should balance this with safer, more liquid investments.

Risks when investing in equity or funds

Investing in shares (also known as equity) on Crowdcube does not involve a regular return on your investment unlike mini-bonds which offer interest paid regularly.

Investing in a fund may help to diversify your investments and to spread the risk but general risks while investing in equity continue to apply. Further specific risks are set out on the applicable fund pitch page.

Please bear in mind the following particular risks for equity and fund investments:

Loss of investment or tax relief

The majority of start-up businesses fail or do not scale as planned and therefore investing in these businesses may involve significant risk. It is likely that you may lose all, or part, of your investment. You should only invest an amount that you are willing to lose and should build a diversified portfolio to spread risk and increase the chance of an overall return on your investment capital. If a business you invest in fails, neither the company – nor Crowdcube – will pay you back your investment.

Tax relief may also be lost due to your personal circumstances or due to the activities of a company.

Lack of liquidity

Liquidity is the ease with which you can sell your shares after you have purchased them. Buying shares in businesses pitching through Crowdcube cannot be sold easily and they are unlikely to be listed on a secondary trading market, such as AIM, Plus or the London Stock Exchange. Even successful companies rarely list shares on such an exchange. In addition, if you purchase B Investment Shares, these are non-voting shares and may not be attractive to potential buyers.

Rarity of dividends

Dividends are payments made by a business to its shareholders from the company’s profits. Most of the companies pitching for equity on the Crowdcube website are start-ups or early stage companies, and these companies will rarely pay dividends to their investors. This means that you are unlikely to see a return on your investment until you are able to sell your shares. Profits are typically re-invested into the business to fuel growth and build shareholder value. Businesses have no obligation to pay shareholder dividends.

Dilution

Any investment in shares made through Crowdcube may be subject to dilution in the future. Dilution occurs when a company issues more shares. Dilution affects every existing shareholder who does not buy any of the new shares being issued. As a result an existing shareholder's proportionate shareholding of the company is reduced, or ‘diluted’-this has an effect on a number of things, including voting, dividends and value.

Some businesses who pitch for equity investment through Crowdcube offer A-Ordinary Shares, which may include pre-emption rights that protect an investor from dilution. In this situation the business must give shareholders with A-Ordinary Shares the opportunity to buy additional shares during a subsequent fundraising round so that they can maintain or preserve their shareholding. Please check a pitch, and the Articles of the company to see if the shares you are buying will have these pre-emption rights. Most companies do not offer pre-emption rights for B Investment Shares.

Risks when investing in Mini-bonds

Mini-bonds are a very different kind of investment to equity and you do not own a stake in the business issuing the mini-bond. Instead you receive regular interest payments from the issuing company (the “Issuer”) and then return your initial investment back at the end of the mini-bonds term (the maturity). Before investing, you must read and agree to the Bond Instrument for each mini-bond as these contain the exact terms and conditions, including the interest payments and final repayment time between investors and the company raising the money. It is important to understand that Issuers are solely responsible for their financial status and consequently their ability to pay interest and return investors’ capital when the mini-bonds mature. Crowdcube does not issue the mini-bonds listed on the Crowdcube platform and is not responsible for their performance. Mini-bonds represent a high degree of risk and you should be aware of some of the specific risks involved in investing in them.

Loss of investment and interest payments

Issuers, like all businesses, are vulnerable to financial difficultly and investing in mini-bonds may involve significant risk of default. In the event of an Issuer being unable or unwilling to meet payments of interest and capital, it is likely that you may lose all, or part, of your initial investment and receive no outstanding or future interest payments.

If a business you invest in fails, neither the company you invest in – nor Crowdcube – will pay you back you investment. You should only invest an amount that you are willing to lose and should build a diversified portfolio to spread risk.

Mini-bonds are not insured by a third party nor are they protected by any governmental authority such as the Financial Services Compensation Scheme. This means that if the Issuer becomes insolvent, investors could lose some or all of their money.

Lack of liquidity

Liquidity is the ease with which you can sell your investments to a third party after you have purchased them. Mini-bonds purchased from Issuers pitching through Crowdcube may be transferrable if specified in the Bond Instrument, however they will not be listed on any formal investment exchange or secondary trading market such as the LSE ORB and so it may be difficult or impossible to find a buyer to purchase them. Please refer to the individual mini-bond documentation for full details of transferability. Investments in mini-bonds through Crowdcube should be viewed as a long term and illiquid investment.

Restricted redemption rights

Issuers of the mini-bonds set the terms for redeeming your capital. Investors should be aware that they will not be able to redeem their initial investment under any circumstances other than those set out in the terms and conditions of the documentation of an individual mini-bond, meaning their capital will be locked up for the entire term of the mini-bond, typically 3-5 years and should therefore be viewed as a long term and illiquid investment.

Unsecured investment

Unless otherwise set out in the Bond Instrument, mini-bonds are typically an unsecured obligation of the Issuer, meaning there is no security over the property or assets of the Issuer supporting the repayment of your interest or capital. This means that if an Issuer fails, it is unlikely that an investor will have their initial investment or outstanding interest payments returned to them because there is no security over any remaining assets.

Early Call Risk

The Issuer has the right to repay you your money at any time prior to the formal repayment date. Your investment may be materially curtailed because of this.

Lower in the pecking order on winding up

If an Issuer falls into financial difficulty and goes out of business, other creditors and debt holders with seniority – including fixed charge holders, administrators, employees who are owed wages, banks, and secured debtors - will be compensated first. This means it is unlikely mini-bond investors, whose unsecured investment sits below all of the previously mentioned in the pecking order, will have their initial investment or outstanding interest payments returned to them after higher ranked creditors are compensated.

Interest rate and inflation risks

Mini-bonds pay interest at a fixed rate rather than by reference to an underlying index. Accordingly you should note that a rise in interest rates may adversely affect the relative returns that mini-bonds offer. Further, inflation may reduce the real value of the returns over time.

Verdant is a craft brewery based in Falmouth, Cornwall. Voted RateBeer's best new UK brewery in 2017, the company has struggled to meet feverish demand. Having found a location to quadruple capacity, the company is seeking funds to build a state-of-the-art brewery and produce more fresh beer.

Help the UK’s top 3 brewery (Untappd) quadruple in size to meet demand

Invest in a business that grew by 912% in 2017 with £230k net profit

Fund a new 35hl brewhouse, state-of-the-art laboratory and taproom

Encouraging jobs, sustainability & independence in a growing market

Idea

After four years of striving to keep up with demand for our hazy IPAs, it is time for Verdant to expand. We've launched a Crowdcube campaign to raise money for a new brewery that will quadruple capacity!

Verdant Brewing Co focus on making hazy, hop-forward beer and delivering it to drinkers as fresh as possible. Over the last four years, we have brewed seven of England's top-50 beers and created a loyal following throughout the country.

However, our reputation for world-class IPA means we have reached the capacity of our beloved baby blue warehouse in Falmouth. Last year sales grew by 912.4% (from Sept 2016 to Sept 2017) and have doubled turnover this year to £1.1m, increasing capacity to 3,000hl of beer. However, demand implies we could sell at least four times that amount.

We hate saying no to customers because we simply don’t have enough beer, so for the last few years, we have been looking for a site big enough to meet the demand for our beers without moving out of Falmouth. We've now found the perfect site just 3 miles down the road, and once secured, have designed a state-of-the-art brewery to fill it. All we need is you.

Our new brewery is a bespoke 5-vessel 35hl SSV brewkit with enough fermentation space to produce around 15,000hl a year. The 17,500 sq ft warehouse will also allow us to have a state-of-the-art laboratory and an on-site taproom for the first time, so people can experience the Verdant way of life first hand.

We want to become on the world's leading breweries, but we are determined to stay true to our independent, artisan roots. Invest in us today!

THE MATERIALS YOU ARE SEEKING TO ACCESS ARE BEING MADE AVAILABLE BY THE COMPANY RAISING FINANCE AS IDENTIFIED ABOVE (THE "COMPANY") IN GOOD FAITH AND FOR INFORMATION PURPOSES ONLY AND SUBJECT TO THESE TERMS AND CONDITIONS. CROWDCUBE CAPITAL LTD IS AUTHORISED BY THE FCA AND CARRIES OUT DUE DILIGENCE ON EACH COMPANY THAT LISTS ON CROWDCUBE AS SET OUT HERE.

This investment opportunity is not an offer to the public and is only available to registered members of Crowdcube.com who have qualified and categorised themselves as able to invest. The investment opportunity is not directed at persons located in the United States, Canada or Japan. Any person resident outside the United Kingdom who wishes to view these materials must first satisfy themselves that they are not subject to any local requirements that prohibit or restrict access.

In particular, unless otherwise determined by the Company and permitted by applicable law and regulation, it is not intended, subject to certain exceptions, that any offering of the securities mentioned in such materials (the "Securities") by the Company would be made, or any documentation be sent in or into, the United States, Canada or Japan. There will be no public offering of the Securities in the United States.

In order to access the pitch you must first become a qualifying member of Crowdcube on the basis of your status as either (i) self-certified ‘high net worth investor’, (ii) certified ‘sophisticated investor’, (iii) self-certified as a ‘sophisticated investor’ or (iv) certified as a ‘restricted investor’, in each case in accordance with the FCA’s Conduct of Business Sourcebook Chapter 4.7. Potential investors are encouraged to "cross examine" the Company by interactive due diligence and use of the available online forums to bring the "wisdom of the crowd" to bear. Accessing the pitch also means you agree to Crowdcube’s most recent website terms and conditions and investor terms and conditions, which include Crowdcube's limitation of liability.

If you are not permitted to view materials on this webpage or are in any doubt as to whether you are permitted to view these materials, please exit this webpage. Crowdcube’s or the Issuer’s press announcements and this information page do not constitute an offer to sell securities of the Company. Further, it does not constitute a recommendation by the Company, Crowdcube or any other party to sell or buy securities in the Company.

By registering or logging into Crowdcube.com to view the investment opportunity, you certify that you are legally entitled to view the investment opportunities, are an authorised investor and you agree to all applicable terms and conditions on this website, including this disclaimer.

To see the rest of the Verdant Brewing Co pitch, join now.
It’s free, quick and easy.

Anyone can become an Everyday Investor. You just need to agree to invest no more than 10% of your net assets into company shares, bonds, funds or any other securities which are not listed or sold on a stock exchange. “Net assets” in this case means all of your financial resources, apart from the value of your main home, after deducting your expenses and any debts you may have.. This is why the Financial Conduct Authority refer to them as ‘Restricted Investors’. Everyday Investors are the 'crowd' and the majority of investors will fall into this broad category.

I make this statement so that I can receive promotional communications relating to non-readily realisable securities as a restricted investor. I declare that I qualify as a restricted investor because:

in the twelve months preceding the date below, I have not invested more than 10% of my net assets in non-readily realisable securities; and

I undertake that in the twelve months following the date below, I will not invest more than 10% of my net assets in non-readily realisable securities.

Net assets for these purposes do not include:

the property which is my primary residence or any money raised through a loan secured on that property;

any rights of mine under a qualifying contract of insurance; or

any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be entitled.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on unlisted shares and unlisted debt securities.

This group is for people who have invested in more than one unlisted company (including via Crowdcube) in the last two years or been a member of a business angel syndicate or network for at least six months.

I declare that I am a self-certified sophisticated investor for the purposes of the restriction on promotion of non-readily realisable securities. I understand that this means:

I can receive promotional communications made by a person who is authorised by the Financial Conduct Authority which relate to investment activity in non-readily realisable securities;

The investments to which the promotions will relate may expose me to a significant risk of losing all of the property invested.

I am a self-certified sophisticated investor because at least one of the following applies:

I am a member of a network or syndicate of business angels and have been so for at least the last six months prior to the date below;

I have made more than one investment in an unlisted company, including via Crowdcube, in the two years prior to the date below;

I am working, or have worked in the two years prior to the date below, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises;

I am currently, or have been in the two years prior to the date below, a director of a company with an annual turnover of at least £1 million.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me seek advice from someone who specialises in advising on non-readily realisable securities.

If you earn more than £100,000 a year or have net assets of more than £250,000, the High Net Worth category is probably applicable to you.

I make this statement so that I can receive promotional communications which are exempt from the restriction on promotion of non-mainstream pooled investments. The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:

I had, throughout the financial year immediately preceding the date below, an annual income to the value of £100,000 or more;

I held, throughout the financial year immediately preceding the the date below, net assets to the value of £250,000 or more.

Net assets for these purposes do not include:

the property which is my primary residence or any money raised through a loan secured on that property;

any rights of mine under a qualifying contract of insurance; or

any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on non-mainstream pooled investments.

By joining, I agree to Crowdcube's terms and conditions,
the conditions set out in the above investor statement as of 19th December 2018,
and confirm that I have read Crowdcube's privacy policy.

Terms of Use

This page tells you the terms on which you may use this website (www.crowdcube.com) and mobile applications (the "Site"). By using this Site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using this Site.

INFORMATION ABOUT US

www.crowdcube.com is a Site operated by Crowdcube Limited ("We"). We are registered in England and Wales under company number 07014587 and have our registered office at South Entrance, Fourth Floor, Broadwalk House, Southernhay, Exeter, EX1 1TS.

ACCESSING OUR SITE

Access to this Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on this Site without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.

From time to time, we may restrict your access to some or all of this Site.

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TRADE MARKS

‘Crowdcube’ is a registered Trademark of Crowdcube Limited.

VARIATIONS

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you.

YOUR CONCERNS

If you have any concerns about material which appears on our site, please contact [email protected].

Thank you for visiting our site.

Privacy policy

This privacy policy applies to the website www.crowdcube.com owned and operated by Crowdcube Limited (acting as data controller). This privacy policy describes how Crowdcube collects and uses the personal data you provide on www.crowdcube.com. It also describes the choices available to you regarding our use of your personal data and how you can access and update this information (see "Your rights" section for more details).

INFORMATION WE MAY COLLECT FROM YOU

We may collect and process the following data about you provided at the time of requesting goods, services or information from us:

•Information that you provide to us by filling in forms on our site CROWDCUBE.COM and mobile applications ("Our Site"). This includes contact information such as name, email address, mailing address, phone number, financial information such as bank or brokerage account numbers, unique identifiers such as user name, account number, password, date of birth and preferences information such as favourites lists, transaction history, marketing preferences. If you chose to list your company with us, we may ask for information about your business such as company name, company size, business type and personal datadata such as a professional profile.

•Information that you provide to us when you write to us (including by email).

•Information that you provide to us when we speak to you by telephone. We may make and keep a record of the information you share with us.

•Information that you provide to us by completing surveys.

•Details of transactions you carry out through Our Site and of the fulfillment of your orders.

•Information obtained by us from third parties in accordance with this Privacy Policy. For example, if you chose to list your business with us, we may

As is true of most web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, to analyze trends, to administer Our Site, to track users’ movements around Our Site and to gather demographic information about our user base as a whole.

USES MADE OF THE INFORMATION

We use information held about you in the following ways:

•To ensure that content from Our Site is presented in the most effective manner for you and for your computer. This is in our legitimate business interests.

•To provide you with information, products or services that may be of interest to you, where you have consented to be contacted for such purposes.

•To carry out our obligations arising from (i) legal obligations and/or (ii) any contracts entered into between you and us to provide information, products or services that you have requested and notify you about changes to our goods and services.

If you are an existing customer/member, we may contact you by electronic means (fax, email or SMS) with information about goods and services similar to those which were the subject of a previous sale to you. We will not otherwise contact you by electronic means to provide you with information about goods and services which may be of interest to you, unless you have consented to this.

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DISCLOSURE OF YOUR INFORMATION

We will share your personal data with third parties only in the ways that are described in this privacy policy. We do not sell your personal data to third parties.

We may disclose your personal data to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.

In addition to the above, we may disclose your personal data to third parties:

•In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets. You will be notified via email and/or prominent notice on Our Site of any change in ownership or uses of your personal data, as well as any choices you may have regarding your personal data.

•If Crowdcube or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.

•If we are, or believe in good faith that we are, under a duty to disclose or share your personal data in order to comply with any legal obligation,; or permitted by law in order to enforce or apply our Terms and Conditions of Website Use and other agreements; or to protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

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We may provide your personal data to companies that provide services to help us with our business activities such as shipping your order, processing payments, offering customer services or to improve our business operations. These companies are authorized to use your personal data only as necessary to provide these services to us.

We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in SW1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers' wishes by displaying their advertisements to that target audience.

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You have the right to access information that is held about you. To protect your privacy and security, we’ll take reasonable steps to verify your identity before providing copies of any relevant materials.

You may be entitled to ask us:

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These rights may be limited in some situations – for example, where we can demonstrate that we have a legal requirement to process your data. In some instances, this may mean that we are able to retain data even if you withdraw your consent.

Where we require information to comply with legal or contractual obligations, then provision of such data is mandatory: if such information is not provided, then we will not be able to meet obligations placed on us or manage your transactions on Our Site. In all other cases, provision of requested information is optional.

We hope that we can satisfy queries you may have about the way we process your information and resolve any complaints you may have. We encourage you to come to us in the first instance but you are entitled to complain directly to the relevant data protection authority.

How to exercise your rights

You can correct, change or delete your information in your member account setting page. You can stop receiving our newsletters or marketing emails by following the unsubscribe instructions included in these emails or accessing the email preferences in your account settings page. Alternatively, or to access any of the other above rights, you can email our Customer Support at [email protected] or by contacting us by telephone or postal mail at the contact information listed below.

HOW LONG WE RETAIN YOUR INFORMATION

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements, which in some cases involving the collection and processing of financial data may require a retention period of 7 years (or longer if required by law).

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Technologies such as: cookies, beacons, tags and scripts are used by Crowdcube Limited and our partners, including marketing partners affiliates, or analytics service providers and business process service providers. These technologies are used in analyzing trends, administering Our Site, tracking users’ movements around Our Site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies for to estimate our audience size and usage pattern; to store information about your preferences, and so allow us to customize Our Site according to your individual interests; to speed up your searches; and to recognize you when you return to Our Site. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use Our Site, but your ability to use some features or areas of Our Site may be limited.

We partner with third party ad networks to either display advertising on Our Site or to manage our advertising on other sites. Our ad network partner uses cookies and Web beacons to collect non-personal data about your activities on this and other Web sites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by clicking Here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.

http://www.networkadvertising.org/managing/opt_out.asp

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HOW WE STORE, PROCESS AND SECURE YOUR INFORMATION

The data that we collect from you may be transferred to, and stored at, a destination inside or outside the European Economic Area ("EEA"). It may also be processed by staff operating inside or outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your orders, the processing of your payment details and the provision of support services. Access to your information is limited to those who have a need to manage it. Where your information is transferred from the EEA to a country that is not subject to an adequacy decision by the EU Commission, we will seek to ensure that it is adequately protected by (i) ensuring that EU Commission approved standard contractual clauses, an appropriate Privacy Shield certification or a vendor's Processor Binding Corporate Rules are in place or (ii) relying on derogations (e.g. contractual necessity). A copy of the relevant mechanism can be provided for your review on request, using the contact details provided below.

Security

All information you provide to us via email or Our Site is stored on our secure servers.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of Our Site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

The security of your personal data is important to us. When you enter sensitive information (such as bank account information) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

We follow generally accepted standards to protect the personal data submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on Our Site, you can contact us at [email protected]

ADDITIONAL PRIVACY INFORMATION

Blog / Discussions

Our Site offers a publicly accessible blog and community discussions. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal data from our blog or community discussions, contact us at [email protected] In some cases, we may not be able to remove your personal data, in which case we will let you know if we are unable to do so and why.

Referrals

If you choose to use our referral service to tell a contact about Our Site, we will ask you for your contacts’s name and email address. You must have consent from your contact to provide this information to us. We will automatically send your contact a one-time email inviting him or her to visit the site. Crowdcube store this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

Your contact may contact us at [email protected] to request that we remove this information from our database.

Links to 3rd Party Sites

Our Site may, from time to time, contain links to and from the websites of our suppliers, partner networks, advertisers, affiliates and other third parties. If you follow a link to any of these websites, please note that these websites should have their own privacy policies and we do not accept any responsibility or liability for these policies or the content or operation of these websites. Please check these policies and the terms of the websites before you submit any personal data to these websites.

Member Directory

We will list you in our publicly accessible member directory. If you wish to request removal of your information or the deletion of an unauthorized profile from our directory, you can contact us at [email protected]

Profiles

The profile you create on Our Site will be publically accessible unless otherwise indicated. You may change the privacy settings of your profile through your account portal.

Social Media Widgets

Our Site includes Social Media Features, such as the Facebook Like button. These Features may collect your IP address, which page you are visiting on Our Site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on Our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Single Sign-On

You can log in to Our Site using the sign-in service such as LinkedIn, Facebook and Google. These services will authenticate your identity and provide you the option to share certain personal data with us such as your name and email address to pre-populate our sign up form. Services like LinkedIn, Facebook and Google may give you the option to post information about your activities on Our Site to your profile page to share with others within your network.

CHANGES TO OUR PRIVACY POLICY

We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on Our Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

CONTACT

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to: